Maryland State Coverage Summary

Maryland

Clearcover Insurance Company: NAIC is #16524

Important Contact Information:

Maryland Motor Vehicle Administration (MVA): 410-768-7000

Maryland Coverage Limits:

BI LIMITS UM LIMITS UIM LIMITS PD LIMITS UMPD UMPD DED PIP AT LIMITS COMP & COLL
30/60K 30/60K 30/60K 25K 25K 250 2500 35/1050 50
50/100K 50/100K 50/100K 50K 50K 500 5000 45/1350 100
100/200K 100/200K 100/200K 100K 100K 1000 7500 50/1500 200
100/300K 100/300K 100/300K       10,000   250
300/300K 300/300K 300/300K           500
300/500K 300/500K 300/500K           750
500/500K 500/500K 500/500K           1000
500/750K 500/750K 500/750K           1500
500/1000K 500/1000K 500/1000K           2000
1000/1000K 1000/1000K 1000/1000K           2500

 

Required Coverage/Rejection Forms

  • Maryland Notice of Uninsured (UM) and Enhanced Underinsured Motorist (EUIM) Coverage and Option Selection Form
  • Excluded Driver Endorsement
  • Maryland Notice and Waiver of Personal Injury Protection (PIP) Coverage Form

Notable State Requirements

  • "Non-binary" gender status is available
  • Excluded drivers are permitted, with a signature, post-bind
  • Uninsured Motorist (includes UIM, standard, or enhanced) can be equal or lower than the BI and PD Liability limits, but cannot be lower than $30,000/$60,000/$15,000
  • PIP Coverage at $2,500 must be offered. Coverage for the named insured and household family members must be waived in writing.
    a) Additional limits for PIP coverage: $5000, $7500, and $10,000

Termination Provisions

Cancellation - Advance days notes:

  • During first 45 days of new business - 15
  • Non-payment - 10 days
  • Any other reason - 45 days

Non-renewal - Advance days notice:

  • 45 days

Are non-renewals only permitted at policy anniversaries? No

Renewal Premium

Notice of renewal premium must be sent at least 45 days in advance of the premium due date